MOBILE MONEY E-BANKIND AND E-WALLET PLATFORM FOR BOTH THE BANKED AND UNBANKED ( Fintech).

We resending this because we want to make sure our needs clear. Most bidders that contacted use did not understand exactly what we are looking for. We advice bidders to please go through the details bellow before reaching out. Also, companies and indiviuduals that have got similar applications, or working on similar Fintech or money transfer application would really make things easy and faster. We want a interoperable Mobile Money platform ( Fintech). A mobile platform for E-wallet, e-banking, bill payment, E top up/voucher distribution, micropayment for merchants, mpos with nfc tag and card payment. The platform should be accessible throug the following Chanels: USSD/Sms, mobile App ( iOS and android), web , and NFC and mobile Pos. USE CASES: Registration; SIM card Gkyc, NFC tagging, mobile money account activation. E TOP UP: Air time/data distribution for 4 telcos ( Orange, Africell, QCELL and Sierratel). Store value card, toll gate. BILL PAYMENT: 3 integration for Bill payment; Electricity company - EDSA TV company - DSTV Water Company: Guma EWALLET SERVICES: Cash in Cash out P2P transfer Sub wallet Account statement Pin management International remittance Real time international remittance Agent base assisted international remittance International Money Transfer Oprator Integration. Would like to integrate with Western Union, MONEYGRAM, Ria and world remit. But if possible we could just integrate to a single hub like Thunes or MFS Africa which have a single api that the connect to Manley othe money transfer operators. MERCHANT SERVICERA: Retail mmerchant payments Fuel payment Supermarket Taxi , buses Online merchant payment E BANKING SERVICES: Debit cards link to wallet Wallet to bank, bank to wallet Debit/credit card to wallet Atm withrwals from mobile money wallet Micro lending Group savings Inter card or interwallet transfer ( interoperability). We would like to intergrate to at least 1 commercial bank both for holding physical cash to correspond to issued emoney as required by law. And also to be able to issue debit card that is tied to customers money to uses on both our own mops devices at agent/merchant locations and also to use at the issuing make atm and also in other EMV location abroad. USSER CHANNEL AND HEIRACHY LAWERS: Aminisrator: through Web Aggregator: through web, ussd, mobile app Super agents and agents: ussd, mobile app, mops Merchants: access by mpos, Ussd, mobile app Users: web, mobile app, ussd/sms Mpos: For mpos, we would like to integrate with Nearex Mpos platform. With the option of mobile Pos, android mpos application for agents and merchants. And card including stored value cards and tags for users. REGISTRATION AND ONBORDING OF NEW CUSTMOMERS: We would like to be able to onboard and register new customer for the mobile money customers using our platform. And also to be able to register and onboard customers and register SIM cards on behalf of the 4 telco companies. We would like to have the option of doing biometric( finger print) sim registration, with the option of using the mops or mobile phone to automatically scan and imput data from ID card/passport and I put information to data base. Platform should include complet agents and merchants management control panel. And all should be cloud base. For international remittance, we want to be able to receive inbound remittance like western union, ria and MoneyGram and redirect to customers wallet. it can either be our own wallet or other wallets like orange money and Africell money.